Calculum is a Fintech Data-as-a-Service (DaaS) company, leveraging advanced analytics and Artificial Intelligence (AI) based systems to help companies improve their financial supply chains.
Headquartered in Miami, the company empowers treasury organizations as well as credit and procurement teams, unlocking working capital, reducing risk of supply chain disruptions for corporates, and their trading partners.
Cal-cu-lum (kalkyələm, Latin) is the mathematical study of continuous change, a particular method or system of calculation and reasoning.
Our vision as key driver
Is there a better way to apply data analytics and AI to improve decisions made within financial supply chains? Our company was born with the first step in this journey: Calculating and negotiating the optimum payment terms between trading parties, thus improving working capital and margins, reducing risks and costs for businesses across the world.
Payment terms form an integral part of any business-to-business (B2B) relationship affecting cash flow, profitability, sales growth, credit, and supply risk with an impact on a company’s shareholder value.
To help businesses grow and optimize overall company performance based on their financial supply chain, Calculum was born and built a platform capable of analyzing, predicting, and optimizing payment terms with millions of suppliers and customers around the globe.
Calculum’s long-term mission
We are a team of engineers and entrepreneurs with experience in global supply chains, data management, and fintech. We hold the solutions we craft to the highest standards and believe that exceptionally engineered systems are the cornerstones of the value proposition to our clients.
Navigating through multiple data sources and thousands of different data points is complex and time-consuming. Powered by advanced machine learning and perfected by processing millions in transactions, Calculum provides accurate, updated information of your organizational financial supply chain that is easy to consume and understand.
We’re passionate about enabling sustainability and facilitating access to financial liquidity, empowering businesses, and their trading partners to be more competitive. So far, insights into financial supply chains were offered by expensive top-tier consultancy companies and based on manual calculations. Our mission is to make data available to every company in any industry regardless of size and country.
Our main focus is on our clients.
From the beginning, we’ve focused on providing the best user experience possible and to ensure the success of our customers. Whether we design a feature on our platform or provide a new data point,it is always with the idea of empowering and improving the experience of our customers.
We do the right thing.
We work to the highest standards of integrity in everything we do. We strive to act truthfully, ethically, and honorably, and always do the right thing. Behaving morally is a critical and elemental part of our success.
State-of-the-art as our primary drive.
Our primary drive is to generate breakthrough ideas and convert them into solutions. We value innovation over tradition. We innovate to deliver superior customer value and improve our competitive position. Impossible challenges are a product of the mind. The right ambitions, analysis, and use of technology can overcome them.
We are honest and share the information.
We’re transparent in all we do. This transparency allows us to build trust among our employees, clients, partner, and shareholders. Trust enables speed, and speed means more opportunities to improve upon our biggest strengths.
We provide data insights crosses all borders.
Our company was founded in Miami, but our mission is to optimize payments across the entire world, and in every industry, making a difference for companies of any size.
Our expertise, your success.
We help our clients improve their payment terms. With one of the world’s largest databases on payment terms. We know what we do well, and how we could do it better. Through continuous iteration of challenging issues, we are able to solve complex issues and continually improve a service that already makes a difference to our clients.
As passionate people we achieve more.
Passion is the single most important ingredient in a successful business. There is a virtuous cycle for those with passion. Loving and taking pride in what you do instills the motivation to work harder to succeed.
Our position today
We are on a mission, allowing companies to unlock millions of dollars in free cash flow, improving their margins, selecting the right trading partners, and reducing the risk of supply chain disruptions. Tasks that took companies and experienced analysts months to achieve on a small number of trading partners, can be done by Calculum in seconds.
By leveraging AI and enhanced algorithms based on millions of data points, we generate crucial insights in financial supply chains and uncover opportunities available to any business regardless of size, industry, or geography.
Our position tomorrow
Calculum is in the first step of a journey as the team is developing many more solutions that extend and expand the offering to customers to get more insights, further improving their liquidity, and relationship with their trading partners.
But once you have created a platform that collects, collates, and analyzes key data points of companies’ financial supply chains, then the attribution of actions to a firm’s performance becomes not only possible but inevitable.
Our press coverage
Calculum and its payment terms solution is covered extensively in the press and media. Interested to learn about our resources or to interview us?